Business game apparatus

ABSTRACT

A business game apparatus based on Islamic values comprising a playing board ( 100 ), card sets, transaction records, information cards, game money, dice and tokens. The playing board ( 100 ) comprises circuits ( 102, 104, 106 ) and card placement regions ( 108, 110, 112, 114, 116, 118 ). Each circuit comprises a series of divisions and each card placement region is designated to a circuit. The card sets comprise at least one set of cards with a selected subject matter wherein each card set is designated to a card placement region. The dice is for directing participants advancement within a circuit as provided on the playing board ( 100 ) and the tokens are for indicating participants position on the playing board ( 100 ).

FIELD OF INVENTION

The present invention relates to a business game apparatus.

BACKGROUND ART

Lessons of everyday experiences can be simulated by means of games without fear of losing real assets as if such are experiences in real life. Games have been used as learning and teaching tools for several subject matters such as business, language, mathematics, religious and many others. It can be manifested using various mediums. Amongst the mediums of games are board games, card games and computer games.

Board games have been played throughout history from the earliest of civilizations. Several historical artifacts and documents reveal the early use of board games, such as the Mehen, an ancient board game played by the pre-dynastic Egyptians and the Go, an ancient strategic board game originating in China.

Board games are based on various themes ranging from purely entertainment based, such as checkers to strategic or educational based, such as chess, monopoly and scrabble, each having unique objectives and are suited for respective target groups.

The thread that runs these simulated games is that the power of the mind and situational experiences used to defeat an opponent or opponents. Skills acquired are pitted against others to emerge victorious. It also induces moral and ethical values to the participants.

Since its infancy of development, board games have been used as an educational apparatus or tool to nurture the knowledge and practices of business, amongst other subject matters. However, these board games are based on the general concept of business as opposed to focusing on the various stages of business conduct, subsequently failing to closely replicate the essence of doing business in reality.

SUMMARY OF INVENTION

Accordingly, there is provided a business game apparatus based on religious values, wherein the game apparatus includes a playing board, a series of instruction medium, financial transaction registering means, business information providing means, financial transaction means, a chance means and participant indication means, characterized in that the playing board comprises of a plurality of circuits and a plurality of instructional placement regions wherein each circuit comprises a series of divisions and each instructional placement region is designated to a circuit, the series of instruction medium comprise at least one set of instructions containing a selected subject matter wherein each instructional set is designated to an instructional placement region, the chance means is for directing participants advancement within a circuit as provided on the playing board, and the participants indication means is for indicating participants position on the playing board.

The present invention consists of several novel features and a combination of parts hereinafter fully described and illustrated in the accompanying drawings, it being understood that various changes in the details may be made without departing from the scope of the invention or sacrificing any of the advantages of the present invention.

BRIEF DESCRIPTION OF THE ACCOMPANYING DRAWINGS

For the purpose of facilitating and understanding of the present invention, there is illustrated in the accompanying drawings, from an inspection of which, when considered in connection with the following description, the invention, its construction and operation and many of its advantages would be readily understood and appreciated.

FIG. 1 is a layout view of the business game apparatus according to the preferred embodiment of the present invention.

FIG. 2 is a flowchart illustrating the steps taken during the game.

FIG. 3 is a flowchart illustrating the steps taken during the Business Route.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

The present invention relates to a business game apparatus. Hereinafter, this specification will describe the present invention according to the preferred embodiments of the present invention. However, it is to be understood that limiting the description to the preferred embodiments of the invention is merely to facilitate discussion of the present invention and it is envisioned that those skilled in the art may devise various modifications and equivalents without departing from the scope of the appended claims.

The business game apparatus of the present invention is a board game developed to inculcate self-reliance business knowledge and practices according to Islamic business values. It is suitable for nurturing the seeds of entrepreneurship and business acumen among participants especially amongst the younger generation.

There are several versions of the board game of the present invention to cater for the respective age groups beginning from children aged 6 years to adults. Preferably, the total number of participants during one particular game should be within four to six participants.

Reference is now being made to FIGS. 1, 2 and 3 collectively. The board game is provided with a playing board (100) that comprises of three different circuits (102, 104, 106) and six different card placement regions (108, 110, 112, 114, 116, 118).

The circuits (102, 104, 106) are closed circuits and each circuit comprises of a series of divisions. These divisions, most of which are squares are designated with notations. The notations describe various actions to be carried out during the course of the game.

The circuits (102, 104, 106) comprise of a low-level circuit (102) identified as Salary Route (102), an intermediate-level circuit (104) identified as Business Route (104) and a high-level circuit identified as Fair Business Route (106). There is no apparent interconnection between these routes and each route is designated with a different colour. A participant can advance to a higher route, and the advancement of a participant from one route to another is governed by a predetermined set of conditions.

Each route has a square that is designated as the starting point of that route. The starting point for the Salary Route (102) is the “START” square (120), the starting point for the Business Route (104) is the “BUSINESS CHARITY” square (140) and the starting point for the Fair Business Route (106) is the “BUSINESS VISIT SPONSORSHIP” square (160).

The Salary Route (102) depicts the life of an employee from the various fields of employment such as executives, nurses, drivers, doctors, lawyers, firemen, policemen and armed forces personnel. A participant on this route is regarded as an employee that receives fixed monthly income derived from salaries, and is subjected to job promotions and/or appointment upgrades and bonus payments. Inevitably, this participant is required to defray expenses with regards to purchasing daily necessities that are essential for basic survival needs.

Throughout the course of the Salary Route (102), the participant will have the opportunity to invest in stocks and shares, real estates and any other form of valuable assets in efforts to increase his financial capacity (302) if he has the additional funds to do so, consequently fulfilling the predetermined conditions to advance to the Business Route (104).

The Business Route (104) depicts the life of an individual that owns a business. In this route, a participant has the opportunity to undertake various business decisions that may confer profitable returns (308) to consequently fulfil the predetermined conditions to advance to the Fair Business Route (106).

The Fair Business Route (106) depicts the life of an individual that owns high valued businesses (314) that are listed on the Stock Exchange. In this route, a participant holds significant positions in these conglomerates that provide lucrative emoluments, compensations and perks.

The participant in the Fair Business Route (106) that is in possession of highest asset value and highest scoring points will be the winner.

The playing board (100) is provided with six card placement regions (108, 110, 112, 114, 116, 118). Each card placement region is designated to a given route and the indication is achieved by designating the card placement region with a colour identical to that of the corresponding route.

The board game includes a series of instruction medium that comprises six sets of instructions, with each set having its own subject matter. These instruction sets are in the form of double-sided cards. The top side of the card is printed with the label caption of the subject matter and the bottom side is printed with the instruction captions related to the subject matter. Each card set is placed faced-down on a designated card placement region and the indication is achieved by designating the top side of the cards with a colour identical to that of the corresponding colour of the card placement region.

Each card set is associated to a subject matter that relates to various investment opportunities, livelihood obligations, business operations and returns as well as business charity conduct based on Islamic values. These card sets comprise of Investment Cards and Obligation Cards designated to the Salary Route (102), placed on card placement regions (112 and 114) respectively, Performance Cards, Operation Cards and Business Charity Cards designated to the Business Route (104), placed on card placement regions (116, 118 and 108) respectively and Blessed Cards designated to the Fair Business Route (106) placed on card placement region (110).

The Investment Cards provide opportunities of investment throughout the course of the Salary Route (102), in order to accumulate assets and increase income, thereby providing the necessary capital to engage in businesses. The Obligation Cards on the other hand, incurs inevitable expenditures that are part of livelihood obligations during the course of the Salary Route (102). The Operation Cards provide opportunities to undertake business decisions during the course of the Business Route (104), whereby the returns of such decisions are defined in the Performance Cards. The Business Charity Cards provide opportunity to carry out charitable works as well as accumulate business charity points throughout the Business Route (104). The Blessed Cards provide lucrative emoluments, compensations and perks received during the course of the Fair Business Route (106).

A participant is entitled to an Investment Card, an Obligation Card, a Performance Card, an Operation Card, a Business Charity Card or a Blessed Card, upon landing on the “INVESTMENT”, “OBLIGATION”, “PERFORMANCE”, “OPERATION”, “BUSINESS CHARITY” or “BLESSED” square, respectively.

Prior to commencing the game, participants are provided with financial transaction registering means that comprises of three transaction records. Each transaction record is designated for use during the course of a particular route. The Employee Income Statement transaction record is designated for use during the course the Salary Route (102). The Business Income Statement transaction record is designated for use during the course the Business Route (104). The Fair Business Income Statement transaction record is designated for use during the course the Fair Business Route (106).

These transaction records are used to register all financial transactions that occur during the course of the game and are to be maintained for the purpose of audits. The Employee Income Statement transaction record provides for the registration of gross income, expenses, net income, business charity points and assets. The Business Income Statement transaction record provides for the registration of business income, other income, operational expenses, business charity transactions and business charity points. The Fair Business Income Statement transaction record provides for the registration of business income, business charity transactions and business charity points.

To ensure a smooth process during the game, information providing means comprising information cards namely the Business Choice List and the Business Choice Cards, are made available particularly to be used as reference during the course of the Business Route (104). To qualify for advancement into the Business Route (104), a participant is required to own a business (400) that serves as the main source of income during the course of that route. The examples of businesses offered are sports goods manufacturing, beverage production, tourism agency, fruits supplier, prawn aquaculture, boutique, food catering and many others. These choices are listed in the Business Choice List (404, 406). The Business Choice List is a single sided card that contains the various types of business along with information pertaining to the capital requirement and returns for each business. The businesses in this list are divided into two categories.

The first category is the “Intraprenuer” business, whereby businesses in this category are joint ventures between a participant and a larger company. A participant that chooses a business from this category would own 10% share of the equity and a larger company owns the remaining 90% shares (410). The ownership of shares of the equity may be increased (422) by another 15% at a later stage and hence a participant would then own a total of 25% share of the equity.

The second category is the “Entrepreneur” business whereby participants own businesses in this category as sole proprietors. A participant that chooses a business from this category would own 100% share of the equity (408).

The Business Choice Card provides a participant in the Business Route (104) with the proof of ownership of a particular business. A participant that owns a particular type of business will be given the related Business Choice Card (412, 414). The Business Choice Card is a double-sided card, whereby the top side is printed with the label caption of the category of business, either “Intraprenuer” or “Entrepreneur” business. The top side also has information about the type of business, either sports goods manufacturing, beverage production, tourism agency, fruits supplier, prawn aquaculture, boutique or food catering and many others. The bottom side of the card contains information pertaining to the capital requirement and returns for the related business.

All financial transactions during the course of the game are made using financial transaction means comprising of either game money, game chips or game tokens.

Prior to commencing the game, a banker is appointed and has the role of controlling the operation by managing all financial transactions during the course of the game. The number of participants is best kept between four to six participants. The card sets are placed on the respective card placement regions (108, 110, 112, 114, 116, 118) on the playing board (100). Each participant is given a cash amount of $5,000 that represents accumulated savings from five years of employment. Each participant is provided with the three transaction records to register all financial transactions that occur during the course of the game and all there transaction records are to be maintained for the purpose of audits.

The game begins with all participants starting at the “START” square (120) of the Salary Route (102) and move in the clockwise direction from thereon. The advancement of participants within a circuit as provided on the playing board (100) is directed by a chances means, most commonly represented by a plurality of die. The position of a participant on the playing board (100) at any point during the course of the game is indicated by participant indication means, most commonly represented by a token. Each participant chooses a token to signify representation of that participant during the course of the game.

A participant that passes the “TAKE-SALARY” square on the Salary Route (102) will receive a fixed monthly salary of $3,000 upon request, whereby failure to do so before the time the subsequent participant rolls the dice will result in the fixed monthly salary being forfeited. Whilst in the Salary Route (102), each participant is required to register all financial transactions including gross income, expenses, net income, business charity points and assets in the transaction record provided, that is the Employee Income Statement transaction record.

During the course of the Salary Route (102), each participant is required to comply with the instructions on the Obligation Card upon landing on the “OBLIGATION” square. These instructions will cause a participant to incur inevitable expenditures that are part of livelihood obligations.

Additionally, each participant has the option to comply with the instructions on the Investment Card upon landing on the “INVESTMENT” square during the course of the Salary Route (102). These instructions provide a participant with opportunities of investment, in order to accumulate assets and increase income, thereby providing the necessary capital to engage in businesses. A participant that is not interested in making the investment as stated in the Investment Card, may offer that card to other participants in the Salary Route (102).

An exemplary instruction caption on the Investment Card is:

MOBILE PHONE SHOP

Capital Requirement: $25,000

Monthly Returns: $2,000

A participant is given the opportunity to invest. Should he decide to do so, a capital of $25,000 must be paid to the bank and the participant would receive monthly returns of $2,000 when he passes the “TAKE-SALARY” square. As such, the monthly income of this participant has increased to $5,000, that is $3,000 being the fixed monthly salary and $2,000 being the monthly returns of this investment.

Each participant is entitled to a bank loan of an amount not exceeding three times his fixed monthly salary. The repayment amount of the bank loan is through monthly payments of 10% of the loan amount obtained. A participant may also obtain a loan from another participant whereby the loan amount and repayment terms are based on negotiation between the participants involved. Participants are only allowed to use the loan obtained for the purpose of investments or the inevitable expenditures incurred from the Obligation Card.

Another exemplary instruction caption on the Investment Card is:

MOBILE PHONE SHOP

Market Price : $40,000

The instruction caption on this Instruction Card can only be utilized by the participant that owns the mobile phone shop, whereby, the participant may choose to sell the shop valued at $40,000 to the bank. As such, the accumulated cash-in-hand of this participant has increased by $15,000 being the difference in the capital investment, $25,000 and market price, $40,000 of the mobile phone shop.

During the course of the Salary Route (102), each participant is subjected to various obstacles upon landing on the respective squares. The three obstacles are Fraudulent Act, Late Arrival and Penalty for Late Arrival. Upon landing on the “FRAUDULENT ACT” square, a participant will lose three turns, he has no right to claim his fixed monthly salary and he will also be deprived of the right to participate in any investment opportunities that may be offered. Upon landing on the “LATE ARRIVAL” square, a participant has no right to claim fixed monthly salary despite passing the “TAKE-SALARY” square. Upon landing on the “LATE ASSIGNMENT” square, a participant will lose one turn.

On the contrary, each participant is offered various rewards upon landing on the respective squares. Upon landing on the “BONUS” square, a participant is rewarded with cash amounting to two times his fixed monthly salary and upon landing on the “PROMOTION” square, a participant is rewarded with a 10% increase in his fixed monthly salary. A participant that lands on the “COURSES AND SEMINARS” square will be paid $500 and awarded two additional turns, while a participant that lands on the “RECOGNIZE TASK” square will be awarded with two additional turns.

While in the Salary Route (102), participants are encouraged to accumulate business charity points in addition to the efforts made to accumulate assets and increase income. Business charity points are accumulated by way of making a contribution upon landing on the “BUSINESS CHARITY” square. A participant gains 1 business charity point for every contribution of $20. The participant with the highest business charity points in the Salary Route (102) is eligible to receive a capital contribution from participants in the Business Route (104) such that he may qualify to advance from the Salary Route (102) to the Business Route (104). The contribution amount is purely based on the discretion of the participant in the Business Route (104) offering the capital contribution.

To qualify for advancement from the Salary Route (102) to the Business Route (104), the three predetermined conditions (304) are, a participant must have cash-in-hand amounting to $30,000, he is required to own a business, which would be the main source of his income during the course of Business Route (104) and he is required to fully settle all his loans and debts. Prior to advancement to the Business Route (104), a qualified participant is advised to sell all assets and investments he owned while in the Salary Route (102) to the bank. Participants are required to retain the Employee Income Statement transaction record for the purpose of bank audits as well as for the accumulation of business charity points.

To own a business, a participant is required to choose one business from the various types of businesses offered. The types of businesses offered are listed in the Business Choice List and are divided into two categories, “Intraprenuer” and “Entrepreneur” business. An “Intraprenuer” business requires less capital as this business is a joint venture whereby a participant will own 10% share of the equity and a larger company owns the remaining 90% shares (410). An “Entrepreneur” business on the other hand requires more capital as a participant is the sole proprietor that owns 100% share of the equity (408).

Hence, the decision to own either an “Intraprenuer” or “Entrepreneur” business depends on whether or not a participant has sufficient funds (402) that is the amount of cash-in-hand attained by the participant at the time he was deemed qualified to advance to the Business Route (104). Once a participant has made his decision, a Business Choice Card of the corresponding business is provided to him as a proof of ownership and this card also serves as a business license for the participant concerned.

During the course of the Business Route (104), a participant is allowed to sell the existing business he owns to another participant at an agreed value or to the bank at a predetermined value, to enable him to invest in another business that provides higher returns (424).

A participant begins the Business Route (104) at the “BUSINESS CHARITY” square (140). A participant that passes the “CASH-FLOW” square will receive upon request, the monthly returns of the business he owns, whereby failure to do so before the time the subsequent participant rolls the dice will result in the monthly returns being forfeited. Whilst in the Business Route (104), each participant is required to register all financial transactions including business income, other income, operational expenses, business charity transactions and business charity points in the transaction record provided, that is the Business Income Statement transaction record.

During the course of the Business Route (104), each participant has the option to comply with the instructions on the Operation Card upon landing on the “OPERATION” square. These instructions provide a participant with opportunities to undertake business decisions. The instructions on the Operation Card may either be limited to a single business or a group of businesses. Only the participant that owns the related business may utilize the Operation Card. In the case of a participant not owning the related business, another participant in the Business Route (104) may offer a remuneration to gain the rights to utilize the Operation Card.

The returns of the decision made based on the instructions of the Operation Cards are defined in the Performance Cards. A participant is eligible to these returns upon landing on the “PERFORMANCE” square and obtaining a Performance Card that contains instructions related to the decision made previously.

An exemplary instruction caption on the Operation Card is:

The company wishes to issue brochures to inform the public about the nature of business. The cost of printing 5,000 copies of these brochures is $8,000. If you agree to undertake this, please pay the bank $8,000.

(Related businesses: Sports goods manufacturing, beverage production, tourism agency, fruits supplier, prawn aquaculture, boutique and food catering).

A participant is given the opportunity to incur the operational cost of $8,000 for printing 5,000 copies of the brochures. Should he decide to do so, the returns may be reaped upon landing on the “PERFORMANCE” square.

Each participant is entitled to a bank loan of an amount not exceeding three times his monthly income. The repayment amount is through monthly payments of 10% of the loan amount obtained. Participants are only allowed to use the loan obtained for the purpose of financing operational cost.

An exemplary instruction caption on the related Performance Card is:

The brochures have been distributed widely throughout the district and succeeded in attracting the interest of buyers. As a result of that, orders of $55,000 were received. Collect $55,000 from the bank provided that you had complied with the instructions in the Operation Card.

(Related businesses: Sports goods manufacturing, beverage production, tourism agency, fruits supplier, prawn aquaculture, boutique and food catering).

Assuming that a participant had made the decision to comply, he will receive $55,000 as the returns from the incurred operational cost of printing the brochures.

Additionally, each participant has an option to comply with the instructions on the Business Charity Card upon landing on the “BUSINESS CHARITY” square during the course of the Business Route (104). These instructions provide a participant with opportunities to carry out charitable works as well as accumulate business charity points. These points entitle participants in the Business Route (104) to receive capital contributions from participants in the Fair Business route (106), so as to qualify for advancement to the Fair Business Route (106). The capital contribution is calculated based the number of business charity points, whereby a participant in the Business Route (104) is entitled to $1,000 for every point he has.

Upon landing on the “FRAUDULENT ACT” square on the Business Route (104), a participant will lose three turns, he has no right to claim his monthly income and he will also be deprived of the right to participate in any investment opportunities that may be offered.

During the course of the Business Route (104), each participant is required to make various contributions and in return, they will receive various forms of remunerations upon landing on the respective squares. Upon landing on the “PAY BUSINESS OBLIGATORY ALMS” square, a participant is required to contribute $1,000 and he is allowed to move forward three squares. Upon landing on the “COMPANY DIRECTOR PROGRAM” square, a participant is required to contribute $5,000 and he gains 250 business charity points. Upon landing on the “DO WELFARE WORKS” square, a participant is allowed to move forward three squares and upon landing on the “DONATE TO WELFARE $10,000” square, a participant is awarded three additional turns.

Participants in the Business Route (104) are encouraged to assist participants in the Salary Route (102) by contributing capital to selected participants to enable them to qualify for advancement to the Business Route (104). The contribution amount is purely based on the discretion of the participant in the Business Route (104) offering the capital contribution and priority is given to participants in the Salary Route (102) with the highest business charity points.

To qualify for advancement from the Business Route (104) to the Fair Business Route (106), the two predetermined conditions (310) are, a participant must have cash-in-hand amounting to $1 million and he is required to fully settle all his loans and debts. Prior to advancement to the Fair Business Route (106), a qualified participant is advised to sell all assets and investments he owned while in the Business Route (104) to the bank. Participants are required to retain the Business Income Statement transaction record for the purpose of bank audits as well as for the accumulation of business charity points.

A participant begins the Fair Business Route (106) at the “BUSINESS VISIT SPONSORSHIP” square (160) and he will be given three folds of his cash-in-hand at the time he was deemed qualified to advance to the Fair Business Route (106). A participant that passes the “CASH-FLOW” square will receive $250,000 and the monthly returns of the investments made during the course of this route. Whilst in the Fair Business Route (106), each participant is required to register all financial transactions including business income, other income, operational expenses, business charity transactions and business charity points in the transaction record provided, that is the Fair Business Income Statement transaction record.

During the course of this route, a participant is given the opportunity to make investments upon landing on the particular squares. These investments are in the form of high valued businesses comprising conglomerates that are listed on the Stock Exchange.

During the course of the Fair Business Route (106), a participant is allowed to sell the existing business he owns to another participant at an agreed value or to the bank at a predetermined value, to enable him to invest in another business that provides higher returns.

Participants in the Fair Business Route (106) are entitled to Blessed Cards that provide lucrative emoluments, compensations and perks upon landing on the “BLESSED” square. Additionally, a participant will receive a bonus of $500,000 upon landing on the “BONUS” square. Participants are encouraged to accumulate business charity points by contributing to charity works whereby a participant will gain 20 points for every contribution made.

During the course of the Fair Business Route (106), each participant is subjected to various obstacles upon landing on the respective squares. The two obstacles are Penalty and Company restructuring. Upon landing on the “PENALTY” square, a participant will have to pay $150,000 as a fine for late submissions of audited accounts. Upon landing on the “COMPANY RESTRUCTURING” square, a participant will have to pay $50,000 being the consultation fee for restructuring his company.

Participants in the Fair Business Route (106) are encouraged to assist participants in the Business Route (104) by contributing capital to selected participants to enable them to qualify for advancement to the Fair Business Route (106). The capital contribution is calculated based the number of business charity points, whereby a participant in the Business Route (104) is entitled to $1,000 for every point he has and priority is given to participants in the Business Route (104) with the highest business charity points.

During the course of the game, a participant is liable to incur losses. The losses are caused by the instruction captions on the various cards of the Salary Route (102) and the Business Route (104) respectively. A participant is regarded as bankrupt if he has a total debt liability that is higher than six times of his total monthly income. A bankrupt participant is regarded as a loser and is not allowed to proceed with the game.

The game may be brought to an end once several participants have succeeded to qualify to the Fair Business Route (106). The time frame to qualify to the Fair Business Route (106) is optimally set from a limit of 1 hour 45 minutes to 2 hours.

The participant that has the most amount of cash-in-hand, owns the most amount of assets and businesses as well as has the most amount of total accumulated business charity points is regarded as the winner at the end of the set time frame limit (316). 

1. A business game apparatus based on religious values, the game apparatus comprising a. A playing board (100); b. A series of instruction medium; c. Financial transaction registering means; d. Business information providing means; e. Financial transaction means; f. A chance means; and g. Participant indication means characterized in that the playing board (100) comprises of a plurality of circuits (102, 104, 106) and a plurality of instructional placement regions (108, 110, 112, 114, 116, 118) wherein each circuit comprises a series of divisions and each instructional placement region is designated to a circuit, the series of instruction medium comprise at least one set of instructions containing a selected subject matter wherein each instructional set is designated to an instructional placement region, the chance means is for directing participants advancement within a circuit as provided on the playing board (100), and the participant indication means is for indicating participants position on the playing board (100).
 2. The game apparatus according to claim 1, wherein the plurality of circuits (102, 104, 106) are closed circuits.
 3. The game apparatus according to claim 1, wherein the circuit (102) is a low-level circuit.
 4. The game apparatus according to claim 1, wherein the circuit (104) is an intermediate-level circuit.
 5. The game apparatus according to claim 1, wherein the circuit (106) is a high-level circuit.
 6. The game apparatus according to claim 1, wherein the circuit (102) has a starting point (120).
 7. The game apparatus according to claim 1, wherein the circuit (104) has a starting point (140).
 8. The game apparatus according to claim 1, wherein the circuit (106) has a starting point (160).
 9. The game apparatus according to claim 1, wherein the financial transaction registering means comprises of a plurality of transaction records wherein each participant is designated with means of registering the said transactions for each circuit.
 10. The game apparatus according to claim 1, wherein the business information providing means comprises of a plurality of information cards.
 11. The game apparatus according to claim 1, wherein the financial transaction means comprises game money, game chips or game tokens.
 12. The game apparatus according to claim 1, wherein the advancement of a participant from the low-level circuit to the intermediate-level circuit and from the intermediate-level circuit to the high-level circuit is governed by a predetermined set of conditions.
 13. The game apparatus according to claim 1, wherein the set of instructions is a plurality double-sided card sets wherein, one side has a label caption of the selected subject matter and the reverse side has an instruction caption related to the selected subject matter.
 14. The game apparatus according to claim 1, wherein the religious values are Islamic values. 